by our College Data Analytics TeamHere you will find what students actually borrow to attend Inter American University of Puerto Rico-Ponce— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. These figures are reported by the Department of Education and IPEDS.
Among first-year students at Inter American University of Puerto Rico - Ponce, 1% of incoming students take out a loan to help cover first-year costs, averaging $3,877 per borrower, covering both private and federal loans.
The average federally funded loan is $3,877, or about 70.5% of the $5,500 first-year borrowing cap for the typical first-year dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Across the full undergraduate body at Inter American University of Puerto Rico - Ponce (freshmen included), 18% use federal student loans to help pay for their education, with a mean of $4,212 per year. It comes to 8.6% more than the $3,877 freshmen take on.
Repeating that yearly amount projects to about $8,424 by year two and around $16,848 over four years. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 18% |
| Average federal loan per year | $4,212 |
| Undergraduates with a federal loan | 457 |
| Total federal loans (one year) | $1,924,719 |
The median student at Inter American University of Puerto Rico - Ponce borrows $4,850 in federal borrowing.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $4,850 |
| Students who completed (graduates) | $6,375 |
| Students who withdrew | $3,550 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Inter American University of Puerto Rico - Ponce.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,300 |
| 25th percentile | $2,000 |
| 75th percentile | $5,500 |
| 90th percentile (highest-debt students) | $7,750 |
How wide this percentile range is tells you how much borrowing varies across students at Inter American University of Puerto Rico - Ponce.
Median federal debt understates the full cost when PLUS loans are included. The totals below add PLUS borrowing for Inter American University of Puerto Rico - Ponce.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 143 | $5,000 |
| Completed (graduates) | 59 | $5,000 |
| Did not complete | 84 | $5,000 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $59.46/mo.
Stafford loans are the federal direct-loan program most undergraduates use. The breakdown below separates borrowers who used Stafford loans from those who did not at Inter American University of Puerto Rico - Ponce.
Any-Stafford Borrowers
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 95 | $5,000 |
| No Stafford loan | 48 | $5,000 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 85 | $4,811 |
| No Stafford loan this year | 58 | $5,000 |
The indicators below describe what the typical debt costs to pay back at Inter American University of Puerto Rico - Ponce.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
By Family Income
| Income tier | Median federal debt |
|---|---|
| Low income | $4,500 |
| Middle income | $5,500 |
| High income | $5,000 |
First-Generation Comparison
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,000 |
| Continuing-generation students | $4,750 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $5,500 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Inter American University of Puerto Rico - Ponce.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Did You Know?
Declaring bankruptcy does not erase federal student loan debt. If you stop paying, the federal government can garnish a portion of your wages until the loans are repaid.
References
More about our data sources and methodologies.